Participants of the insurance market are:

• The insurance customers (insurants)
• Insurance companies (risk carriers)
• The insurance selling. Exclusively over own agencies or however over independent mediators, so-called insurance brokers (or also broker or broker, insurance broker mentioned)
• The reinsurance companies
• The outsourcing partners of the insurers (for example for damage handling, IT)
• Other partners (institutes for training etc.)
• The legislator
• The supervisory authorities

A further allocation of the insurance market can be made in the private and industriellen range. In Germany there is a multiplicity of insurance companies for private customers, who offer furniture or life insurances beside obligation insurance (e.g. KFZ liability) also. With the insurance companies for industrielle risks are insured i.d.R. large risks from trade, production and investment. This branch of the insurance is offered due to its complexity and only some few, insurance companies mostly global acting.

Security is one of the basic needs of humans. The life saves however risks and dangers, which can threaten health, life and property. From uncertainty over future events therefore humans wanted themselves since more jeher with insurance "„to protect "“. Today a life is hardly conceivable in the industrial nations without insurance more.

The insuring us market is not to be excluded an important employer of the tertiary sector in the mature economies and as engine of gainful occupation to be able to be received (insurance as a condition certain risky activities at all) from the private and business everyday life.

Insurance market Switzerland

Swiss belong world-wide to bestversicherten humans. In accordance with the statistics of the Swiss RH escaped 2002 to 1 inhabitant of our country 4,900 US Dollar at premiums for private insurance. Naturally one must watch out with such comparisons. If the health insurance or the age precaution is mostly nationally financed, one can be well insured even with deeper pro head premiums (and higher deductions from the wages or taxes). Nevertheless: Swiss are insured against everything and everyone. Nearly each household has a policy at different societies. Because of this high insurance level it is naturally not simple to increase the premium arising year by year strongly. In addition the hard competition makes it difficult to increase the premiums. The premiums show tendency rising at longer term nevertheless. Above all the kaptialbildenden life insurances to the private precaution are still regarded as growth branch.

Those Swiss Privatassekuranz busy 2004 135 ' 000 persons, about which approx. 44 ' 000 in Switzerland and approx. 90 ' 000 abroad. The entire premium volume 2003 amounted to 197 billion Franconias (in and foreign business). See also: numbers and facts

1885 were introduced to Switzerland the law of supervision of insurance (VAG). It serves primarily the protection of the insured ones. Since that time the private insurance companies are controlled by the federation, revised insurance activity at present on the one hand by distribution of the grant to the business concern, on the other hand by current control of their the VAG totally. The insurers receive more business clearance, e.g. by abolishment of preventive product control. To its place refined and risk-based solvency control will not only step, but also further effective and supervision instruments important for the consumer are used in the ranges "„Corperate Governance "“, transparency and consumer protection. Thus also in the future the insurance protection and the solvency of the insurance companies will be ensured.

With the Swiss RH the second largest of the world (net premiums 2001:15.5 billion USD) from Switzerland comes. Only the Munich RH is also larger over 16 billion USD net premium volume some more.

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